september is life insurance awareness month! · allstate agents are not franchisees; rather they...
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Winner of the 2008-2009 Jack E. Bobo Award of Excellence
September is Life Insurance Awareness Month!Life Insurance AwarenessMonth is being celebratedby honoring a legend in lifeinsurance, member PaulSandstrom. Paul has been
a member of NAIFA for 54 years, worked on the Board of Directors andserved as President during 1964-1965. We are proud to have him as amember and as a legacy of excellence at NAIFA-Fort Worth.
Our guest speaker will be NAIFA-TexasPresident, Randy Robertson of National FarmLife. He has remained their top sales rep formany years. Randy will share with theaudience how he is able to write over 200 new life insurance policies per year.
Help NAIFA-Fort Worth embrace Life Insurance Awareness Month by joining us forthis very special luncheon on Tuesday, September 29th Ridglea Country Club.Be sure to reserve your seat for the luncheon by calling the NAIFA-Fort Worthoffice at 817-492-0637 or by emailing your reservation to [email protected]. (Weneed your reservation to get an accurate head count.)
Luncheon Sponsor
www.allianzlife.comBe sure to stop by and visit with Cory Zafke, Director of Sales, Central
Region, before or after the luncheon.
Table Sponsor
www.nflic.com
Life TimesSeptember 2009
The Newsletter for Members & Associates
Ridglea Country ClubFort Worth, TX
11:00-11:30 amRegistration
11:15 amBuffet opens
(Please note: the luncheonwill start earlier toaccommodate the
schedule)
11:30 Luncheon andMeeting
To reserve a seat, pleasecall the NAIFA-Fort
Worth office at 817-492-0637. An accurate
headcount is needed.
We Salute Paul Sandstrom
Paul Sandstrom was born August 19, 1925, to Swedish parents inGeorgetown, TX. He grew up on a dairy farm in Keller, Texas andgraduated high school in 1942. He went in the army in 1943 and wasdeployed as a member of the 158th Regimental Combat Team to Luzon,Philippines. After atomic bombs were dropped on Japan and World WarII was declared over, Paul and his deployment were sent to destroyJapanese war materiel. He came home safe and sound in 1946, but withsadness in his heart, because his mother had died a few short monthsearlier in a farming accident.
Paul soon started his career upon graduation from Texas WesleyanCollege in the insurance industry with Roberts and Rhea Insurance. In January 1955, Paul started workfor Southwestern Life Insurance Company and joined Fort Worth Association of Life Underwriters at thesame time. It will be 55 years as of January 2010. Paul received the coveted Career Service Award fromthe Fort Worth association in 1980. He has been a member of MDRT (Million Dollar Round Table) since1963 and is still a member. He became a member of Texas Leaders Roundtable (TLRT) in 1985 and is aLifetime member. Paul served as President of FWALU during association year 1964-1965.
Paul notes that the life insurance profession has served him well, creating not only a source of income toraise his family in an honorable quality business, but also giving him the opportunity and privilege to meetso very many people throughout his 55 years–good people on which friendships were founded as well asworking with quality co-workers in the profession.
Speaker Randy Robertson, LUTCF of National Farm LifeNAIFA-Texas President, 2009-2010
Randy T. Robertson, LUTCF, has been selling life insurance since January1978. He is an honor roll member of the Million Dollar Round Table(MDRT) qualifying every year since 1981. He has been a member ofTexas Leaders Round Table (TLRT) since 1982, and the TLRT GrandCouncil since 2001. He has won the National Sales Achievement Award26 times, and the National Quality Award 15 times.
Randy has served his local underwriter board since 1982, President 1995-1996, National Committeeman from 1996-2004 and was the Region 1Director for TAIFA from 2002 - 2006. He was the President of TLRT2005-2006 and graduated from Leadership in Life Institute (LILI) inJanuary 2006. Randy is the current President for NAIFA-Texas.
Since 1984 Randy has been National Farm Life’s Agent of the Year 14 times, and has never been lower than 5th. He is number 1 in total life insurance in force with over $100,000,000. He also has in force withother companies over $150,000,000 more.
Randy has been with the Sanford & Tatum Insurance Agency (the largest P & C agency in West Texas)since 1994. Randy was National Farm Life’s Agent of the Year for 2008 issuing 300 policies with $177,000 in premium. He has issued over 300 policies in the last 3 years while serving as StateSecretary/Treasurer and President Elect. He also made MDRT Court of the Table in the last 2 years.
It is time to roll up our sleeves and get the 2009-2010 year offto a great start. Along with James Stoner, our Membership Chairman,I agree totally that we need to push for new members from the startand set a record in the fall. We all know there are so many benefits ofbeing a NAIFA-Fort Worth member and we all need to do our part toget the message out. Our first luncheon is Tuesday September 29th at11:15 am at Ridglea Country Club. I have invited Randy Robertson,the NAIFA-Texas President for 09-10 to be our guest. Randy is atop producer for National Farm Life who writes over 250applications per year. He will be giving us some sales ideas and an
inside look at NAIFA-Texas. We will be honoring our own Paul Sandstrom, and Allianz fixedside will be sponsoring the luncheon and presenting their products. Our association leaders willhave updates and new information for you. I encourage you to start now and get a least one newperson to this luncheon. Call the executive office at (817) 492-0637 to make a reservation foryou and your guest.
As we go through this year, I hope you will embrace the theme of “Excellence-FortWorth.” Your participation in making this association the best it can be for all agents andrepresentatives is anticipated. With all of us working together, Fort Worth can again reach thegoals of membership, advocacy, education, and…..yes Excellence that you deserve. I am at yourservice to act on your ideas as well as your concerns.
I look forward to visiting with you in person as the year progresses.Blessings,Charles D. Booth, LUTCF, RFC
President This page sponsored by:
Timothy Roels, Jr.President-ElectMarketing [email protected]
Monte Ferguson, CFP®
SecretaryPivotal [email protected]
Angela MedcalfTreasurerYoung Advisors TeamFarmers [email protected]
Eddie Tate, Jr., ChFC, CLU,LUTCFNational CommitteemanSignal [email protected]
Frank Correa, Jr., LUTCFImmediate Past PresidentAllstate [email protected]
Esther DavisExecutive [email protected]
Terry RenfroDirector (2007-2010)Corporate SponsorshipAdvisor Affiliates, [email protected]
Criss CrombieDirector (2007-2010)Community ActionAdvisor Affiliates, [email protected]
Kevin AhaltDirector (2007-2010)Professional DevelopmentAetna Small [email protected]
Paula KureckaDirector (2008-2011)Career Awards [email protected]
Brent HustedDirector (2008-2011)Government RelationsSafeguard [email protected]
James StonerDirector (2009-2012)MembershipAdvisor [email protected]
Chuck WadeDirector (2009-2012)First [email protected]
Sean O’BrienDirector (2009-2012)Principal Financial Group817-731-5500o’[email protected]
Sloan ClarkYoung Advisors Team ChairState Farm Insurance(817) [email protected]
Suzanna Powell, LUTCFChair / ProfessionalDevelopment / PublicRelationsSuzanna Powell [email protected]
Brett Rudell, LUTCFChair / IFAPACFort Worth [email protected]
June RushPresident’s [email protected]
John ParkChair / Jack E. Bobo [email protected]
Newsletter Advertising OpportunityNAIFA-Fort Worth offers you the chance to be seen in front of advisors and agents all
over Texas 12 times per year with our updated ad price guide. You get a full-color ad ineach issue in the one size you want. The prices are simple:
Full page $700 ¾ page $600½ page $400 ¼ page $200
Business card size $150If you would like to advertise with the NAIFA-Fort Worth LifeTimes Newsletter, please call817-492-0637 or email [email protected] to get started. The newsletter deadline is the firstFriday of each month.
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Curriculum Requirements for LUTC and FSS Designation from the American College are shownhere. If you have an interest in completing your designation or would like a specific course,please call Suzanna Powell for more information. The number is 817-996-7000.
LUTCF Curriculum
Select Any 5 Plus FA 290FA 200 Techniques for Prospecting: Prospect orPerishFA 201 Techniques for Exploring Personal MarketsFA 202 Techniques for Meeting Client NeedsFA 211 Essentials of Disability Income InsuranceFA 251 Essentials of Business InsuranceFA 255 Essentials of Long-Term Care InsuranceFA 256 Essentials of AnnuitiesFA 257 Essentials of Life Insurance ProductsFA 261 Foundations of Retirement PlanningFA 264 Foundations of Investment PlanningFA 271 Foundations of Estate PlanningFA 290 Ethics for the Financial Services Professional(Required)
FSS Curriculum
Required Core Courses (3)FA 262 Foundations of Financial Planning: AnOverviewFA 263 Foundations of Financial Planning: TheProcessFA 290 Ethics for the Financial Services Professional
Elective Courses (select any three)FA 200 Techniques for Prospecting: Prospect orPerishFA 201 Techniques for Exploring Personal MarketsFA 202 Techniques for Meeting Client NeedsFA 211 Essentials of Disability Income InsuranceFA 251 Essentials of Business InsuranceFA 255 Essentials of Long-Term Care InsuranceFA 256 Essentials of AnnuitiesFA 257 Essentials of Life Insurance ProductsFA 261 Foundations of Retirement PlanningFA 264 Foundations of Investment PlanningFA 271 Foundations of Estate Planning
September 2009 Page 8
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FALLS CHURCH, VA (July 23, 2009)— In response to the Treasury Department sending to Capitol Hill
draft legislation to create an Office of National Insurance, NAIFA President Cliff F. Wilson, CLU, ChFC,
LUTCF, CLF issued the following statement:
“NAIFA supports the Administration’s plan to establish a federal office of insurance expertise. There are a
myriad of federal agencies that have a role in regulating different aspects of the insurance sector, and yet we
remain the only financial services industry for which there is no one central federal body of expertise. This
has been particularly troublesome given the financial crisis, which has illustrated the inter-connectedness of
the financial services sector both at home and abroad. The turmoil has also highlighted the essential need
that policymakers have a comprehensive understanding of all the elements of the financial marketplace,
including the $5 trillion dollar life insurance industry, when making decisions about regulatory restructuring
and new policies on how best to protect consumers.
“NAIFA believes Title V of the Administration’s plan will go along way to finally close the federal
information gap, and we look forward to a continued dialogue with the Treasury Department and with
Congress to ensure the agent’s voice is heard as we work through this complex regulatory reform process.”
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AAAdddvvviiisssooorrr AAAffffffiiillliiiaaattteeesss,,, IIInnnccc...Life Insurance and Annuity Brokerage
800-937-2812Securities offered through ING Financial Partners, Inc. Member SIPC
Advisor Affiliates, Inc. is not a subsidiary of nor controlled by ING Financial Partners, Inc.
September 2009 Page 9
When it comes to political advocacy and protecting the interests of its members, NAIFA is one ofthe best in the business. Our talented and experienced staff and volunteers engage decision makers atevery level of the legislative and regulatory system. NAIFA's government affairs staff monitors federallegislation and mobilizes resources to achieve the most favorable outcome for members and their clients.The constituent and staff lobbying effort is strengthened by both our industry-leading political actioncommittee, known as the Insurance and Financial Advisors Political Action Committee (IFAPAC), andthe Advisors Political Involvement Committee (APIC), our grassroots network of members who havedeveloped relationships with virtually every member of Congress.
At the state level, our state associations work hand in hand with NAIFA's national law department topositively impact state legislation and regulation. They develop lobbying strategies, comment on key issues,implement uniform policies and participate in litigation. Our many successes have hinged on NAIFA'sfavorable relationships with the National Association of Insurance Commissioners (NAIC), the NationalConference of Insurance Legislators (NCOIL), the National Conference of State Legislatures (NCSL), andthe National Conference of Commissioners on Uniform State Laws (NCCUSL).
Hear our Voice!Only $8.50 per month will protect your business and your clients! NAIFA is the top Political ActionCommittee in the insurance industry. You can support your PAC by simply increasing your NAIFA monthlydues OR PLEASE CONSIDER UPGRADING NOW! We want 100% participation from NAIFA-FortWorth!
Thank you for your help and support!Diplomat ($1,000-$2,499)
Rich KimmelEnvoy ($500-$999 annually)
Charles Booth**James Tucker ** Gary WrightStatesman ($300-$499 annually)
Debby Hein**Bernie Henyon**Edward Meinen**Michael Myers**Suzanna PowellOlin Ragsdale**Bridget Shelton
Ambassador ($200-$299 annually)Gus Bates**Don Boozer**Frank Correa**A. Dike**Paul S. Faidley**Mark Fisher
Century Club ($100-$199 annually)Aubry Allred**Edward Barrera**Damon Bennett**Shalyn Clark**Kevin Faherty**Monte Ferguson
Len Fuller**Charles Jones**Waymon Little**Thomas Mahony**H. Gray Mills**Murray MortonRoy Ray**Terry Renfro**Timothy Renfro**Timothy Roels**Eddie Tate
TAIFAPAC Mission Statement:“To advance the legislative and regulatory interests of NAIFA on all levels of government
and preserve a favorable governmental climate to promote the best interests of consumersof life and health insurance and closely related financial products and services,
through the financial support of selected candidates for public office.”
To join TAIFAPAC or for information contact our 2008-2009 Chairman: Brett Ruddell at Fort WorthFinancial 817-999-8092 or email at [email protected] or you may also contact Esther Davis at817-492-0637 or email [email protected].
September 2009 Page 10
and those who are in the industry for less than five years
September 2009 Page 11
President’s CabinetEd Barrera Gus Bates IIICharles Booth David BostickLeroy Campbell Shalyn ClarkKevin Faherty Ray GriffithDebby Hein Bernie HenyonCharles Jones Reynold JonesLionel Kelley Richard KimmelMurray Morton Mike MyersSuzanna Powell June RushEdward Tate, Jr. Gary Wright
The members of the President’s Cabinet receive such benefits as reserved table at the member luncheons each month, opportunityto meet the speakers, forum with the NAIFA-Fort Worth President,
and spotlight in the NAIFA-Fort Worth newsletter.If you would like to become a President’s Cabinet member,
please contact June Rush at (817) 377-5324.
UT Arlington Offers CFP® Certification Education ProgramThe University of Texas at Arlington, Division for Enterprise Development, Continuing Education,is proud to offer the CFP® Certification Education Program. The program, registered with theCertified Financial Planner Board of Standards, Inc., satisfies the educational requirement to sitfor the CFP® Certification Examination. In contrast to self-study courses, this program offersstudents a disciplined approach to studying required material and face-to-face contact withinstructors. For more information, contact the Continuing Education office at (817) 272-2581 [email protected].
Register Today! www.uta.edu/ced/cfp
September 2009 Page 12
NAIFA-Fort Worth Meeting and Event Dates2009-2010
(see note at bottom of page)Tuesday, September 29, 2009Regular Board Meeting 9:00 amGeneral Luncheon Meeting 11:30 amRidglea Country Club
Tuesday, October 20, 2009Special Breakfast Meeting 8:30 amNo Regular Board MeetingExecutive Board Meeting TBARidglea Country Club
Tuesday, November 17, 2009Regular Board Meeting 9:00 amGeneral Luncheon Meeting 11:30 amRidglea Country Club
Tuesday, December 8, 2009Christmas/Casino Event - Toys for Tots 8:00 pm–Midnight Late Night Breakfast IncludedRidglea Country Club Cost TBA
Tuesday, January 19, 2010Regular Board Meeting 9:00 amGeneral Luncheon Meeting 11:30 amRidglea Country Club
Tuesday, February 16, 2010Special Breakfast Meeting 8:30 amNo Regular Board Meeting-Executive Board Meeting TBARidglea Country Club
Tuesday March 16, 2010Regular Board Meeting 9:00 amGeneral Luncheon Meeting 11:30 amRidglea Country Club
April 16, 2009Golf Tournament Cost TBA
Tuesday, April 27, 2010Business Meeting time TBA
Tuesday, May 18, 2010Regular Board Meeting 9:00 amGeneral Luncheon Meeting 11:30 amRidglea Country Club
Thursday, June 10, 2010Awards Dinner and Gala– Joe T. Garcia’s Cost TBA
NOTE: These dates are for your planning purposes. All NAIFA-FW activities are not shown and willbe made available as soon as possible via email, newsletter and “WE CARE” team leaders.
September 2009 Page 13
NAIFA-Texas NewsLegislative, Regulatory, Industry and Association Updates
TDI Rules Will Implement LegislationImpacting AgentsThe Texas Department of Insurance (TDI) hasposted on its Web site an informal draft ofproposed rules to implement legislationpassed by the 81st regular session of the TexasLegislature and signed into law by Gov.Perry. The legislation -- H.B. 1294, S.B 79, andH.B. 739 -- relates to continuing education and/orcertification requirements for the sell of annuities,Medicare advantage plans, and certification foragents marketing/selling small employer grouphealth insurance. The first public meeting on
these proposed rules is set for 2 p.m., Tuesday,September 8, 2009, in Room 100, TDIheadquarters, 333 Guadalupe, Austin. Informalcomments on the drafts are requested by FridaySeptember 11.
Link to Notice of informal draft rules:http://www.tdi.state.tx.us/rules/2009/Aug_27.htmlLink to informal draft rules:http://www.tdi.state.tx.us/rules/2009/documents/2009_28_TAC_Chap_19_.pdf
Executive Director NotesHello Members,
I know how very fortunate I am to be your local association executive,and how very important it is to you for me to learn the best informationfrom the association while at the national conference each year. This year,I learned more:
I have always known why you should be a member of NAIFA, but now Iknow how to spell it, too! It is spelled S-M-A-R-T.
S Sales Ideas (Member Meetings, Website, Advisor Today)M Member Events (Conferences, Community Action)A Advocacy (see NAIFA.org for more details)R Relationships that COUNT (with top industry professionals)T Training (CE, designation classes, business building programs)
Please take advantage of your membership benefits, advocacy, etc. It is the SMART thing to do!
Please join us for the September 29th luncheon meeting at Ridglea Country Club. Just like lastyear, it promises to be a great kick-off to the association year. Please contact me to reserve yourseat. I can be reached at [email protected] or 817-492-0637.
Your Executive Director,
Esther Davis
Association Executives fromTexas (L to R): Ellie Kennedy,NAIFA-Houston; Karen True,NAIFA-Dallas; Kim Keischnick,NAIFA-Austin; Esther Davis,NAIFA-Fort Worth
September 2009 Page 14
Lighten Up!
During this global economic crisis, simplifying our work activity is the key to success. When we get rid ofunprofitable burdens and organize, we can focus on more important things.
We live in a world with an overwhelming volume of information. My cabinet and desk drawer used to be full ofinformation. I had a long list of favorites in my computer with lots of newsletters and lots of files that I thoughtone day would become necessary.
As a saver of information, I spent too much time looking for what I must have saved somewhere. If I couldn’t find it quickly, I was bothered throughout the day and my performance suffered. Finally, I realized that myfrustration had a negative power and restrained me from moving forward.
One day, I decided to throw away everything except for the most important things. I developed a worksheet tocrystallize my thoughts using these questions: What? What is important to my life? Why? When the world is confusing, I need to know in which direction I am heading. When? When do I start? Where? Where is my market? Who? Who am I? How? How do I want my future to be? What should I keep and what needs to be added? Hot? Is it something I am enthusiastic about? How much will it cost me? Is this something to invest in?
It took me days to get rid of all the junk I had saved over the years. But after a week, I could once againclearly see my goals and purpose. I also found I could concentrate more and my performance improved.
Successful insurance professionals have a routine activity to follow in order to be successful. The first step isto determine your routine and then focus on that only. Get rid of unnecessary stuff and lighten up.
Clean up your desk. Get rid of the paper and documents piled up on the desk. A messy environment willonly bring messy thoughts. Confusion creates negative power.
Eliminate e-mail. Get rid of old e-mail in the inbox. Once a week, I delete unimportant messages.
Pass on unqualified clients. Give unqualified clients to your staff or new agents in your office. They will behappy to serve them.
Focus on the important work. Every morning, I review my schedule for the day and find as many tasks aspossible to delegate to my assistant.
More is not necessarily better. Be selective. Think of what is most important to you. Focus on what youvalue. Do the things that are good for you, your family, your community and the world.
Kenichi Ibuki is a 15-year MDRT member from Nagoya, Japan, with nine Court of the Table and three Topof the Table qualifications. An active volunteer on MDRT’s committees and task forces, Ibuki currently serves as the 2009 Chair of the Sales and Service Committee. He served as Chair of the task forceoverseeing the 2008 MDRT Experience in Japan, and is a past chair of MDRT Japan.
Courtesy:Million Dollar Round Table 847-692-6378 Phone 847-518-8921 Fax Website: www.mdrt.org
September 2009 Page 15
NAIFA-Fort Worth Cares!As ambassadors of the companies we represent, we are called to serve a higher purpose. As responsiblemembers of the community, we are called to help those less fortunate than us.
We serve families and businesses though our actions as financial advisors, and often we are called to help ourcommunity by giving our time and financial support. There are many wonderful organizations in our area needour help.
So, how can we help? By tapping into our personal financial resources and ability to leverage our timeand energy through others.
Each of us have limited financial resources, but we can turn our time into money by contacting our vastdatabase of clients, prospects, associates, and family members to solicit donations of their time and money.
Members of NAIFA- Fort Worth for years have made donations of their time and money. This year, we havechosen several organizations to help. With our busy schedules, helping with every project would be too timeconsuming. Please consider each project, and choose one or more that you can help with, as time permits.You can help coordinate community events for NAIFA-FW by becoming part of the Community ActionCommittee. 2-3 hours a month spent coordinating events, and contacting members, is the best way you canhelp. Please contact Crissman Crombie, [email protected] to find out more details.
October ProjectMemory Walk 2009
for Alzheimer's Association of Fort Worth
Description: Alzheimer's disease is theseventh-leading killer in the UnitedStates today. NAIFA-Fort Worth decidedto get moving to help stop it - and we'reasking you to join us.
NAIFA-Fort Worth is participating in the2009 Alzheimer's Association Memory
Walk®, the nation's largest event to raise awareness and funds for Alzheimer's disease. By joining our team,you can help in the fight against Alzheimer's and show your support for the 5 million individuals currently livingwith the disease.
The Alzheimer's Association is the largest voluntary health organization in Alzheimer care, support andresearch, and the funds we raise will go directly toward supporting their efforts.
We hope you will join our team. To register, visit the link below.http://memorywalk09.kintera.org/fortworth/naifa_fw
Memory Walk is nationally presented by Genworth Financial.
If you would like to participate in this event, please contact Criss Crombie for more information [email protected] or (817) 447-2811.
Date of event: Saturday, October 17, 2009LaGrave Field, Fort Worth, Texas
NAIFA-Fort WorthP.O. Box 828 Fort Worth, Texas 76101
(817) 492-0637 (817) 483-0622 Faxhttp://www.FWAIFA.org
September 2009 Page 16
Mark Your Calendar
September 25 Young AdvisorsTexas Rangers Baseball Mixer$20 per person. Contact Sloan Clark for more details [email protected]
September 29 Life Insurance Awareness MonthHonoring Paul SandstromSpeaker Randy Robertson, NAIFA-Texas PresidentLuncheon Meeting 11:30 am–1:00 pmRidglea Country Club
October 20 Breakfast Meeting 8:30 am–10:00 amRidglea Country Club
PO Box 828 Fort Worth, Texas 76101